1, hospitalization health insurance, that is, when patients are hospitalized, they can get insurance for claims. There are two kinds of hospitalization health insurance, hospitalization allowance and hospitalization compensation. Hospitalization allowance is a kind of paid health insurance, that is, economic compensation is given according to the length of hospitalization. For example, if you buy a hospitalization insurance contract, it is stipulated that the patient will be compensated 100 yuan per day, and the patient will be hospitalized for 5 days, so you can get compensation from 500 yuan. Hospitalization compensation is a kind of reimbursement insurance, which is reimbursed according to the actual treatment expenses. In other words, after the patient has gone through the discharge formalities, he can claim compensation from the insurance company according to the actual cost with the list of hospitalization expenses. Hospitalization allowance is very suitable for people with medical insurance.
2. Deductible Many people don't understand why there is a deductible. In fact, this is a way for insurance companies to protect themselves, that is, insurance companies set a certain amount. If the cost is lower than this amount, the insurance company is not responsible for compensation. Deductible is divided into single deductible and annual deductible. A single deductible refers to each deductible. For example, the policy stipulates "deductible 100/ time", that is, the deductible for each time is 100 yuan. In other words, every time a patient claims hospitalization expenses, the insurance company will subtract 100 yuan before paying. The annual deductible refers to the total amount of compensation for the whole year, and the payment will only be made if it exceeds the agreed amount. For example, the insurance policy stipulates that "500 yuan is exempted all year round". If the total hospitalization expense of the patient is 2000 yuan within one year, the insurance company will get 1500 yuan after deducting 500 yuan. At present, one-time deductible is common in the market, but annual deductible is not common.
3. The higher the insured amount, the better the insured amount, which is the highest amount that can be reimbursed after hospitalization. For example, Mr. Wang bought hospitalization insurance with a coverage of 50,000 yuan, but the hospitalization expenses were 80,000 yuan, so Mr. Wang reimbursed 50,000 yuan at most, and the remaining 30,000 yuan needed to be paid by himself. When purchasing hospitalization health insurance, we should choose the appropriate coverage according to the local medical level. If family economic conditions permit, you can take out hospitalization health insurance with higher insurance coverage.
4. The higher the reimbursement rate, the better the reimbursement rate, that is, the expenses incurred in hospitalization are divided into two parts, the self-funded part and the insurance company reimbursement part. If the reimbursement rate is high, the insurance company will bear higher expenses and pay less by itself. The higher the reimbursement rate, the higher the insurance premium to be paid. Therefore, it is still necessary to decide according to your own economic ability. If economic conditions permit, it is recommended to choose hospitalization health insurance with high reimbursement rate. The insured amount and reimbursement ratio of hospitalization health insurance should be adjusted according to their own economic conditions. If economic conditions permit, it is recommended to purchase hospitalization health insurance with high security and high reimbursement ratio.